MJOP · Annual accounts
The roof is in the maintenance plan. The money isn't in the fund.
The renovation is planned, the reserve doesn't cover it. After the transfer, that gap becomes your extra contribution.
Independent · Not a real estate agent · No commission
Find the apartment risks before they're yours.
Koopscan reads the VvE's accounts, maintenance plan and minutes, and gives you a risk report in plain language — before you bid.
No account needed. Report in under 5 minutes.
Documents deleted after 30 days. Never shared, never used to train AI.
Built by Dmitry, after buying an apartment in Rotterdam with a VvE that looked fine on paper.
We earn nothing from your purchase
Koopscan is not an estate agent. We have no arrangement with any selling party, and we take no brokerage fee and no referral fee. Whether you buy the apartment or walk away makes no financial difference to us. That is why we can write down what the documents actually say.
The problem
The risks are already on paper. Nobody reads them for you.
The seller's agent works for the seller. The notary checks for arrears, not whether the VvE is healthy. And you often get the documents only a few days before the bidding deadline.
Minutes · MJOP
Dormant VvE
No recent minutes, no maintenance plan, no reserve build-up. Then nobody organises the maintenance — until it can't wait any longer.
Minutes
The dispute is already in the minutes.
An ongoing lawsuit, recurring complaints, an extra contribution already discussed: it's all in there, just not in the sales brochure.
The stack
Three documents, hundreds of pages, a few days.
The documents arrive late and in legal Dutch. That's why most buyers don't read them — and where the expensive surprises start.
MJOP · cost overview
CodeItemYearAmount
09Buitenschilderwerk2031€ 18.750
41Klimaatinstallaties2033€ 6.200
42Gas, water en sanitair2038€ 8.100
In the risk report
InstallationsMedium • Needs attention
Climate/heating installation · 2033 · € 6.200
Source (p. 18): “Klimaatinstallatie: onderhoud gepland 2033”
Koopscan does read them — and gives you one risk report in plain language.
How it works
Upload the documents. We read them. You decide.
No software, no legal jargon, no manual digging through PDFs.
Step 01
Upload your VvE documents
Upload the VvE documents your agent sent you.
Step 02
We read them
We read them and look for the things that can cost you money.
Step 03
A clear report
You get a report in plain language, with the location of each finding in the original document where available.
For example: reserve fund per apartment, maintenance-plan coverage, deferred maintenance, per-apartment debt, insurance status.
When do you use Koopscan?
- 01Viewing
- 02Offer accepted
- 03Koopscan — inside the cooling-off period
- 04To the notary
After signing the purchase agreement you have a three-day statutory cooling-off period. Enough time to have the VvE documents read — if you start today.
What we don't do
Not a structural survey. Not legal advice. No agent's interest. We read the documents — you make the decision.
Sample output
What the report looks like
Risk score, reserve analysis, maintenance forecast, decisions from the minutes, and action points.
Risk scoreFinancial healthMinutes: decisions & disputesMaintenance forecast
From the sample report
Reserve fundLow • OK
Source (p. 22): “Reservefonds saldo € 69.100, jaarlijkse dotatie € 15.000”
Who it’s for
Built for buyers. Useful for advisors.
For apartment buyers
Know what you are buying into
Do not spend hundreds of thousands on an apartment while guessing what the VvE means.
- Plain English or Dutch report
- Risk score: green / amber / red
- Reserve fund analysis
- Decisions and disputes from the minutes, with page reference
- Shareable PDF for advisor or notary
For mortgage advisors & makelaars
Standardize VvE review
Stop reading every document from scratch. Use a repeatable first-pass risk summary.
- Faster VvE due diligence
- Structured risk output
- White-label potential
- Volume pricing later
- Shareable PDF per client
Pricing
Risks in VvE documents are easy to miss. Check them before you sign.
Pre-purchase VvE Report
Free right now
Understand the real financial and maintenance risks before you commit. No account, no payment — just a clear report.
- Risk score
- Reserve fund analysis
- Maintenance forecast
- Minutes: decisions & disputes
- PDF report
For advisors & partners
Run risk reports for your clients
Assess VvE risk before your clients sign. Standardize due diligence and deliver clear risk insights at scale.
- Analyze dozens of properties per month
- Share client-ready reports instantly
- Standardize VvE risk scoring
- API & integrations
Supported documents
Upload what you have
More documents means better output, but it also works with partial input.
MJOPJaarrekeningNotulen ALVHuishoudelijk reglementOpstalverzekeringPDFDOCXScans / images
FAQ
Common questions
Is this legal advice?
No. It is an AI-generated information report. For legal certainty, the buyer still needs a notary or legal advisor.
What happens to my documents?
We delete your documents 30 days after your report is generated. We never share them and never use them to train AI models. We keep only anonymised statistics (such as report counts and risk scores with no address attached) to improve the product.
Can I get the report in Dutch?
Yes. Request it from the Dutch site and you receive it in Dutch; from the English site, in English.
Can advisors use this too?
Yes. Mortgage advisors and buying agents can use Koopscan as a first-pass review of the VvE documents. Get in touch via the partner form.
Are you connected to a real estate agency?
No. Koopscan is independent. We do not broker property, we take no commission from sellers, and we have no stake in whether you buy.
How do you make money?
Reports are currently free during our beta. When we launch paid plans, the buyer pays — no referral fees and no seller-side revenue.
You have days to review the VvE. Make them count.
Most buyers skip the VvE documents. The ones who don’t avoid expensive surprises — extra levies, blocked renovations, underfunded reserves. Get your report before you sign.
Get report for free